Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Bankruptcy
Profile Image

Question By
jgroshart

1 Contribution
0 People Helped
Should I dispute a Home Mortgage that still shows on credit report but was discharged in bankruptcy
I had a joint 2nd Mortgage loan in a previous marriage. I filled bankruptcy which discharged me from the debt, but my ex-wife is still paying the account. The account is current, but it is a $41k debt on my report.

I may qualify for a new mortgage this summer if I can get the credit rating up a few more points, but I can't afford a drop in the rating. Do I dispute this item on my report?

Thanks.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1884 Contributions
3671 People Helped

you don't mention when

It's called "Credit history"  even mortgages that have been discharged will show up on your report for 10 years. You can try and contact the lender and see if they will remove you from reporting since you are no longer responsible. It's their call.  

If the lender won't remove you can try filing a dispute but it probably won't help.  As long as the account stays current it may even benifit you for it to show up on your report.  It's hard to say exactly with out actually seeing your report.

Good Luck

Reply by
jgroshart

1 Contribution
0 People Helped
Helpful to 0 out of 1 people

Right, I get that it is history.  I'm not expecting it to be removed, but rather that it would show a note like < INCLUDED IN BANKRUPTCY > with a closed date.  It still looking open or active is going to affect my credit differently than something that is closed, right?

And the real question is whether that would affect it up or down?

The Bankruptcy was 2 years ago. 

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.